There are different ways how a debt collection agency works. Usually, collection agencies specialize in certain types of debts they collect. Some agencies buy debt. When the original creditor thinks that the debtor is unlikely to pay back, the creditor will sell that debt to a debt buyer.

Capio Partners is one of the largest debt collection agencies in the U.S. They buy debts and are the largest purchaser of healthcare debt in the United States. If a collection is recorded on your credit report, this can significantly affect your credit score. That is why it is imperative to know what you are dealing with.

Capio Partners

Capio Partners is a legitimate company that was founded in 2008 in Texas. It is one of the largest buyers of healthcare debts in the U.S. If you have any outstanding medical bills, you have a higher chance of hearing from this agency. This agency buys debt for over 525 healthcare providers in a much lesser amount than the actual balance.


When a collection agency contacts you, it usually does not bring good news. This experience can leave a mark on your credit score even after paying off your debt. If you are being sought after by Capio Partners, they are more likely out for your credit report. A credit report can have their debt collection agency’s name stay up to seven years. The bad thing is, their name doesn’t go away immediately, even if you completed your payment.

There is a possibility that Capio Partners will sue you in court if you fail to pay the valid debt you owed to them. Though they cannot threaten you with a lawsuit or wage garnishment, they can contact you by phone, text, or mail. However, they cannot keep getting you at inappropriate hours like before 8 am and after 9 pm. Thus, it is best to know your rights.

Things to do if Capio Partners contact you.

Knowing your rights is the best thing you can do for yourself. It will protect you from further harm and legal problems. So here is a quick guide on what to do if the Capio Partners contact you.

Determine if your rights.

Most complaints from people with Capio Partners are the agency’s constant harassment. If you feel like you are also experiencing the same harassment, do not worry! The Fair Debt Collection Practices Act (FDCPA). This law protects and helps the consumers who are behind on their debt obligations.

FDCPA manages debt collectors and how they collect collections from you. It prohibits unprofessional acts when contacting you. Even so, most debt collectors overlook ethics and assume that their consumers are unaware of this information. For this reason, you should be familiar with laws that protect you.

First, you must familiarize yourself with the appropriate time the Capio Partners can contact you. This can prevent you from experiencing harassment from this agency. Moreover, you have the right to ask them to contact you only through the U.S. Mail or whatever legal channel that suits you. You will be able to keep track of your communication with them.

Write a debt validation letter and create a settlement.

The moment Capio Partners contact you, you should immediately request debt validation. Another thing that the FDCPA can help you with is to give you the right to ask. The debt validation letter will help you determine if the debt is yours and if the agency has the correct information about your debt.

You can prevent your debt agency from collecting too much money from you through a debt validation letter because of a misunderstanding. Moreover, this letter is a formal request letter addressed to them to prove that the debt is indeed yours and that they can legally collect it. You can start by inquiring them about various details of your said debt.

Next, if the proofs are given, you should create a settlement. Since debt in collections can scar your credit report. It would be best if you took this opportunity to get them to agree to remove the collections on your credit report.

Once an agreement has been made, you will need to work with the deal’s terms. Ensure that you and the Capio Partners signed before you make payment.

Contact a professional credit repair service or a law firm.

If you are uncomfortable and not confident in facing the Capio Partners agency by yourself, you may contact a professional credit repair company. They will try to study and look to the minor details to help you. Also, they specialize in removing and identifying damaging accounts from your credit report. Without a doubt, they can help you raise your credit score.

Additionally, some attorneys specialized in Debt Collector Harassment. They help evaluate your case with no charges. If debt collection agencies went against and violated the FDCPA, your attorney will help you deliver this harassment problem to the court.


No one would ever want to see Capio Partners on their collections. They can get you higher interest rates and prevent you from getting loans. Moreover can be frightening and shocking to be suddenly contacted by a debt collector agency. That is why it is always best to be aware of the things you can do to protect yourself.

Also Read: Why 5G is crucial for Autonomous Vehicles?